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So my suggestion is, a loan from the BoLS, scriptwise.
- Adding an option to the bank NPCs to be able to take out a loan.
- Upon taking out a loan, each payday you'd have to pay a percentage back to the bank.
--- Ex: You take a loan of $10,000. - Each payday you'd have to return 2% + extra fee untill paid-back entirely. Let's say 2% + (0.2%) for 50 playhours so its 100% (+10%) so if you take a loan of 10k, you basically pay back 11k.
- Limit the amount you can take out as a loan to let's say: $10.000 if not a member of a faction (Not having a stable income).
- Limit the amount you can take out as a loan to +/- $25.000 if you are a member of a legal faction with a stable income.
The amount you can take out as a loan should be affected by the ATM card you posess aswell, regular bank account owners shouldn't be able to withdraw as a loan as much as people with the ULTIMATE cards.
The amount you can take out as a loan could be also affected by your status in the faction if member or leader - leaders could possibly take out a business type loan? Example - higher amount of $$$ as a Loan to boost your business.
As every other transaction, this one should be limited by the playhours you have on your character - make it available at 15+ or 25+ hours.
To prevent this addition from being abused to gain finances and possibly give to your friend or alt-alt somehow a script to back it up should be added - LIMITING THE AMOUNT OF LOANS YOU CAN HAVE PER ACCOUNT to ONE (1). So you couldn't take out another loan on an alternate character, if you have a loan active on a different character at the time.
Advantages: People in need of quick cash can get the cash this way without having to wait, or RS Haul and risk being robbed and will lower the current UNREALISTIC amount of robberies, as I myself have been robbed three times within 8 hours a week ago.
Disadvantages: Possibility of a 'SCAM'. Someone takes out a loan on a character - then asset transfers it to another and avoids the loan payback by having the money on another character, and not ever logging back to the char with the active loan.
Overall this is not really a vital suggestion that should be implemented, but it could really help someone out if needed.
And it definitely is something new.